Making Insurance Markets Legible
The insurance industry is one of the largest and most consequential sectors in the global economy — yet it remains opaque to most observers. Olyvarix exists to change that.
We believe that informed participants — whether regulators, investors, students, or curious citizens — lead to better outcomes. Our work is guided by a commitment to accuracy, intellectual honesty, and clarity of explanation.
We do not sell insurance products, offer financial advice, or operate with any commercial interest in the positions we take. Every analysis we publish is produced for the sole purpose of informing and educating.
Our Editorial Principles
- We rely only on verifiable, publicly available data and properly attributed expert commentary.
- We acknowledge uncertainty and complexity rather than offering false simplicity.
- We present multiple perspectives on contested industry questions without advocating for commercial interests.
- We update and correct our analyses when new information warrants it.
A History of Independent Research
Olyvarix grew out of a recognition that insurance market analysis was either locked behind expensive research subscriptions or dominated by sources with commercial interests. We set out to build something different.
Since our founding, we have published dozens of in-depth analyses covering topics from solvency capital requirements and risk transfer mechanisms to the emergence of parametric insurance and API-driven coverage platforms.
Foundation
Olyvarix founded with a mandate to produce free, independent insurance market commentary for a broad professional audience.
COVID-19 Analysis Series
Published a major series on pandemic risk, business interruption insurance, and the implications for the industry's long-term risk modeling frameworks.
InsurTech Coverage Expansion
Launched dedicated coverage of the InsurTech sector as venture investment in digital insurance reached historic highs globally.
Climate Risk Focus
Introduced a climate risk lens across all topics, examining how physical and transition risks are reshaping insurance underwriting and reinsurance structures.
AI in Insurance
Released comprehensive analysis of generative AI applications in claims management, fraud detection, and dynamic risk pricing.
Analysts and Researchers
Our team brings together expertise in actuarial science, financial regulation, insurance technology, and economic research.
Former consulting actuary with 18 years of experience in P&C and life insurance markets across Europe and North America.
Previously covered insurtech ventures for a European investment research firm. Specialist in digital distribution and embedded insurance models.
PhD in applied mathematics with research focus on stochastic modeling for catastrophe risk, reinsurance optimization, and climate scenario analysis.
Former regulatory consultant at the intersection of solvency frameworks, consumer protection policy, and cross-border insurance supervision.
Twenty years in treaty reinsurance underwriting and market research at Lloyd's and continental reinsurance carriers.
Specialist in insurance market development across sub-Saharan Africa, Southeast Asia, and Latin America, with a focus on microinsurance and financial inclusion.
Our Core Values
Transparency
We disclose our sources and methodologies. When we make assumptions, we state them explicitly and explain their implications.
Integrity
We do not accept payment for editorial coverage, advertorial placement, or any form of commercial promotion.
Accessibility
Quality information about insurance markets should be available to all, not just those who can afford institutional research subscriptions.
Rigor
We apply the same analytical standards to every topic — testing our conclusions against the evidence and revising when needed.
Have a Topic Suggestion or Research Question?
We welcome feedback, research inquiries, and suggestions for topics you would like us to analyze.
Get in Touch